Mutual Funds are offered through Manulife Securities Investment Services Inc. Insurance products and services are offered through Middaugh Financial Service Group Inc. for Sean Middaugh and Hengl, Scott Financial Partners Inc. for Greg Hengl and Paul Scott. Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada, additional disclosure information will be provided by your Advisor upon referral.

The Education Assessment Tool

Use of these tools does not replace a comprehensive financial plan. There are numerous factors such as government benefits, taxation, life expectancy and lifestyle that will impact the calculator results differently.

Employee Benefits and Pensions

Our firm can be compensated in three different formats depending on the services we provide to you:

A fee for service based on a percentage of assets we manage for you

A rate schedule for financial planning services

In some instances, financial institutions compensate us for implementing client solutions, like life insurance, through their company.

In every situation, we take the time to fully explain exactly how we are paid. We would be happy to discuss with you further.

It is never too early or too late to formulate a plan. You have a better chance of reaching your goals (be they education planning, budgeting, major purchase planning or retirement/estate planning, etc.) by formulating and implementing a strategy.

The answer to this can be different for each individual. Factors such as current and future income sources and levels, marginal income tax rates now and at time of withdrawal, objective/timeframe for use of the investment and other factors, the answer could be RRSP, TFSA or in some cases, both.